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[stuart30]

Well this should be interesting......

I need too collect a Honda Accord and take it directly too a MOT station for a pre-booked MOT.

The car in question is taxed but NOT insured.

I have fully comp insurance and have the entitlement too drive any car that is not hired or owned by myself.

Whats peoples thoughts on how the law stands on this....i believe i know the answer but thought it would be interesting on peoples thoughts.

[PaulW]

Well this should be interesting......

I need too collect a Honda Accord and take it directly too a MOT station for a pre-booked MOT.

The car in question is taxed but NOT insured.

I have fully comp insurance and have the entitlement too drive any car that is not hired or owned by myself.

Whats peoples thoughts on how the law stands on this....i believe i know the answer but thought it would be interesting on peoples thoughts.

As long as that is in writing on your insurance certificate, and the car is most definitely not owned by you, then you will be fine!

If in doubt, just go to http://www.dayinsure.com and just take out the relevant short-term policy.

[Jimbob]

I have been given the answer in the past that you CAN drive it legally, providing YOU DONT own it and DO have the owners permission.

I had that from direct line about 6 - 7 years ago.

Other people since have had a flat NO, it MUST be insured by someone for you to drive it.

The only proviso was, the second I wasnt in it, it wasnt insured, so I would be liable, say the handbrake failed and it rolled off and did some damage.

[Andy B]

Trailer it! Or get a friendly garage to move it on Trade Plates .... you know it makes sense!

[miggcddave]

i think the car you are going to drive has to be insured buy another insurance company / or person? :-/

[Lazydocker]

Check with your insurer... Normal practice is that the vehicle needs to be insured

[Jimbob]

Agree with above, give your insurer a bell and get THEIR definitive answer, as there does seem to be ambiguity around this.

[Martin_1962]

day insurance

[stuart30]

Damn jimbob you just too good.....

Reason i have asked is a while back i asked the same question on a police based forum and most of the answers were NO NO NO  and that's from traffic feds.

However just asked my insurance comapny and explained at length the other car deffinetely isnt insured can i still drive it and she said yep no problem.....took down her name and dept and time of call (sure its recorded) and asked too too add a note too the file stating what had been discussed.

Day insurance would be a definite normally....however totally 100% skint.

Oh day insurance is £27....ive a clean license 10 yrs no claims and been driving 10 years. :-?

Its actually more expensive too insure than my 2.5 estate..the Honda is just a 2.0.

[HolyCount]

Be prepared to argue the toss if an ANPR camera picks you up -- as the vehicle will show up as uninsured.  Technically, if stopped, the second you get out to "sit in my car, sir", the vehicle is uninsured AND on a public highway --- instant crushing  

The common interpretation of insured to drive any vehicle not owned or hired by you is that the vehicle must be insured in it's own right as well.

I had a simiular situation not so long ago -- spoke to my insurers to ask how much it would cost to insure the "second" car temporarily. They asked how long I wanted it covered for. I told them that a few hours would do it. So she says we will cover you free of charge, but the minimum cover period is a day ... midnight to midnight. Cover note arrived a few days later .. and all was sweetness and light !!!!

[unlucky alf]

ive got a similar problem but i own the car ive got to get tested, its my old rover diesel, ive been told that i can only drive it if i dont own it but the guy wont buy it until its tested, i cant get hold of trade plates so im going to have to get a friend to drive it as long as his insurance says its o,k to drive a non insured motor as an ANPR is going to show it up as having nothing on it i certainly dont want to take a chance.

[stuart30]

Be prepaered to argue the toss if an ANPR camera picks you up -- as the vehicle will show up as uninsured.  Technically, if stopped, the second you get out to "sit in my car, sir", the vehicle is uninsured AND on a public highway --- instant crushing  

The common interpretation of insured to drive any vehicle not owned or hired by you is that the vehicle must be insured in it's own right as well.

Yeah its certainly a grey area...however if they did stop and asked me too leave the vechile wouldn't they then be making me break the law knowing that by asking me too exit the car (which i wouldn't).

Not an ideal situation but needs must in this case...that's why i phoned insurance company too make double sure.

Good point Holy count....might ask them if they can cover it for 1 day....however id then have too buy it.

[Turk]

i think the car you are going to drive has to be insured buy another insurance company / or person? :-/

Yep, I think you're right. Pretty sure the car has to be insured by someone.  The Third Party only covers the bare minimum. No theft or fire.

[Mr Skrunts]

Be prepared to argue the toss if an ANPR camera picks you up -- as the vehicle will show up as uninsured.  Technically, if stopped, the second you get out to "sit in my car, sir", the vehicle is uninsured AND on a public highway --- instant crushing  

The common interpretation of insured to drive any vehicle not owned or hired by you is that the vehicle must be insured in it's own right as well.

I had a simiular situation not so long ago -- spoke to my insurers to ask how much it would cost to insure the "second" car temporarily. They asked how long I wanted it covered for. I told them that a few hours would do it. So she says we will cover you free of charge, but the minimum cover period is a day ... midnight to midnight. Cover note arrived a few days later .. and all was sweetness and light !!!!

They get you one way or annother.

Get the Garage to pick it up for the MOT

[Jimbob]

Damn jimbob you just too good.....

Reason i have asked is a while back i asked the same question on a police based forum and most of the answers were NO NO NO  and that's from traffic feds.

However just asked my insurance comapny and explained at length the other car deffinetely isnt insured can i still drive it and she said yep no problem.....took down her name and dept and time of call (sure its recorded) and asked too too add a note too the file stating what had been discussed.

Day insurance would be a definite normally....however totally 100% skint.

Oh day insurance is £27....ive a clean license 10 yrs no claims and been driving 10 years. :-?

Its actually more expensive too insure than my 2.5 estate..the Honda is just a 2.0.

Lol

My experience was my 1st company car was due in a few weeks.
I was advertising my old personal car for sale, which sold leaving me with no car.
My father in law had just changed cars, had 2 months tax left on old one, so garaged it awaiting selling or whatever.

I borrowed taxed, but uninsured car, with permission and drove it on my own insurance, AFTER checking with direct line.